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Financials · SFST

Southern First Bancshares Inc. (SFST) financials

For the twelve months ended Sep 30, 2026, Southern First Bancshares Inc. reported $139.04M of revenue and $43.17M of net income.

Revenue, TTM
$139.04M
Revenue growth, YoY
+24.7%
Net income, TTM
$43.17M
Net income growth, YoY
+65.2%
Net margin
31.0%
Free cash flow, TTM
$45.28M
EPS, diluted, TTM
$4.86
EPS growth, YoY
+50.9%
Cash
$399.50M
P/E
13.51
P/S
4.19
Market cap
$583.2M
Annual revenue$118.09M
FY2016FY2025
Annual net income$30.37M
FY2016FY2025
Annual free cash flow$29.88M
FY2016FY2025

SFST revenue and earnings growth

SFST revenueQ3 2026$37.53M

Quarter YoY
+20.6%
QoQ
+4.6%
FY YoY
+26.5%
5Y CAGR
+2.0%
10Y CAGR
+9.7%

SFST revenue was $37.53M in fiscal Q3 2026 (ended Sep 30, 2026), up 20.6% from a year earlier and up 4.6% from the prior quarter. For the full fiscal 2025 it was $118.09M, up 26.5% from fiscal 2024. Compound annual growth was +2.0% over 5 years and +9.7% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

SFST net incomeQ3 2026$12.23M

Quarter YoY
+41.2%
QoQ
+9.2%
FY YoY
+95.5%
5Y CAGR
+10.6%
10Y CAGR
+11.6%

SFST net income was $12.23M in fiscal Q3 2026 (ended Sep 30, 2026), up 41.2% from a year earlier and up 9.2% from the prior quarter. For the full fiscal 2025 it was $30.37M, up 95.5% from fiscal 2024. Compound annual growth was +10.6% over 5 years and +11.6% over 10 years. It rose in 7 of the last 10 fiscal years.

SFST EPSQ3 2026$1.28

Quarter YoY
+19.6%
QoQ
+6.7%
FY YoY
+94.8%
5Y CAGR
+9.7%
10Y CAGR
+9.1%

SFST diluted EPS was $1.28 in fiscal Q3 2026 (ended Sep 30, 2026), up 19.6% from a year earlier and up 6.7% from the prior quarter. For the full fiscal 2025 it was $3.72, up 94.8% from fiscal 2024. Compound annual growth was +9.7% over 5 years and +9.1% over 10 years.

SFST free cash flowQ3 2026$20.41M

Quarter YoY
+41.8%
QoQ
+22.0%
FY YoY
+20.6%
5Y CAGR
+17.5%
10Y CAGR
+6.8%

SFST free cash flow was $20.41M in fiscal Q3 2026 (ended Sep 30, 2026), up 41.8% from a year earlier and up 22.0% from the prior quarter. For the full fiscal 2025 it was $29.88M, up 20.6% from fiscal 2024. Compound annual growth was +17.5% over 5 years and +6.8% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$118.09M$93.36M$87.51M$107.20M$104.83M$107.16M$82.25M$70.35M$60.21M$53.84M
Interest expense--$99.94M$20.04M$5.43M$15.01M$25.38M$16.50M$10.33M$8.19M
Pre-tax income$39.60M$19.91M$17.43M$38.11M$60.80M$23.82M$35.48M$28.69M$23.66M$20.37M
Income tax$9.24M$4.38M$4.00M$9.00M$14.09M$5.49M$7.62M$6.40M$10.62M$7.33M
Net income$30.37M$15.53M$13.43M$29.11M$46.71M$18.33M$27.86M$22.29M$13.04M$13.04M
EPS, basic$3.75$1.92$1.67$3.66$5.96$2.37$3.70$3.02$1.86$2.06
EPS, diluted$3.72$1.91$1.66$3.61$5.85$2.34$3.58$2.88$1.76$1.94
Diluted shares8.2M8.1M8.1M8.1M8.0M7.8M7.8M7.7M7.4M6.7M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$269.58M$162.86M$156.17M$170.87M$167.21M$100.69M$127.82M$72.87M$92.17M$46.55M
Total assets$4.40B$4.09B$4.06B$3.69B$2.93B$2.48B$2.27B$1.90B$1.62B$1.34B
Total liabilities$4.03B$3.76B$3.74B$3.40B$2.65B$2.25B$2.06B$1.73B$1.47B$1.23B
Shareholders' equity$368.66M$330.44M$312.47M$294.51M$277.90M$228.29M$205.86M$173.92M$149.69M$109.87M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$30.46M$25.56M$17.65M$50.30M$78.07M$20.62M$18.31M$31.70M$17.19M$17.09M
Capital expenditures$581.0K$785.0K$1.24M$13.95M$26.51M$7.28M$8.43M$1.94M$5.38M$5.43M
Free cash flow$29.88M$24.77M$16.41M$36.35M$51.56M$13.34M$9.88M$29.76M$11.81M$11.66M
Investing cash flow-$206.33M-$28.86M-$378.57M-$792.58M-$410.63M-$230.77M-$275.58M-$301.71M-$239.01M-$139.92M
Financing cash flow$282.60M$9.99M$346.22M$745.94M$399.08M$183.02M$312.22M$250.71M$267.44M$106.52M
Stock-based compensation$2.27M$2.28M$1.94M$2.03M$1.65M$1.40M$1.70M$1.50M$1.26M$2.00M
Depreciation and amortization$4.30M$4.70M$4.82M$3.70M$2.32M$2.19M$1.92M$1.75M$1.46M$1.25M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY26.5%6.7%-18.4%2.3%-2.2%30.3%16.9%16.8%11.8%14.7%
Net income growth, YoY95.5%15.7%-53.9%-37.7%154.9%-34.2%25.0%70.9%0.1%28.2%
EPS growth, YoY94.8%15.1%-54.0%-38.3%150.0%-34.6%24.3%63.6%-9.3%25.2%
Net margin25.7%16.6%15.3%27.2%44.6%17.1%33.9%31.7%21.7%24.2%
Free cash flow margin25.3%26.5%18.8%33.9%49.2%12.5%12.0%42.3%19.6%21.7%
Return on equity8.2%4.7%4.3%9.9%16.8%8.0%13.5%12.8%8.7%11.9%
Return on assets0.7%0.4%0.3%0.8%1.6%0.7%1.2%1.2%0.8%1.0%

Source: XBRL data Southern First Bancshares Inc. files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SFST peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SFST$139.04M+24.7%$43.17M31.0%$583.2M
JPM$203.15B+13.2%$65.98B32.5%$935.97B
BAC$120.16B+5.4%$32.24B26.8%$356.26B
WFC$87.23B+5.4%$22.97B26.3%$262.45B
C$85.22B+5.6%$14.31B16.8%$209.24B
UBS$49.57B+2.0%$7.80B15.7%$157.25B
COF$63.01B+31.2%$10.87B17.2%$126.57B
MFG¥8.79T+7.6%¥1.16T13.2%$122.00B
BNSC$37.74B+12.1%C$7.79B20.6%$118.30B

SFST FAQ

8 questions
  • What is SFST revenue?
    Southern First Bancshares Inc. (SFST) reported $139.04M of revenue for the twelve months ended Sep 30, 2026. That is up 24.7% from the year before. Revenue for fiscal 2025 was $118.09M.
  • Is SFST profitable?
    Yes. Southern First Bancshares Inc. earned $43.17M in net income for the twelve months ended Sep 30, 2026, a net margin of 31.0%.
  • How much cash and debt does SFST have?
    Southern First Bancshares Inc. reported $399.50M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is SFST revenue growing?
    Southern First Bancshares Inc.'s revenue changed +26.5% in fiscal 2025, to $118.09M. Its compound annual growth rate was +2.0% over 5 years and +9.7% over 10 years.
  • What is SFST free cash flow?
    Southern First Bancshares Inc. generated $45.28M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $48.08M less capital expenditures.
  • What is SFST earnings per share?
    Diluted earnings per share were $4.86 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did SFST last report financial results?
    The latest statements here come from Southern First Bancshares Inc.'s 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this SFST financial data come from?
    Quantisnow builds these statements from the structured XBRL data Southern First Bancshares Inc. files with the SEC. It is provided for information only and is not investment advice.